Every contractor operation is different — whether you're a plumber running three vans, an excavator moving dirt on commercial sites, or a general contractor managing subcontractors across multiple projects. A generic business policy isn't built for any of that. Mangold Insurance builds programs around your specific operation, with 100+ carriers and a commercial team that understands construction risk from the ground up.
Contractor insurance isn't one product — it's a program. General liability, commercial auto, workers' comp, tools and equipment, umbrella, and surety bonds all need to work together and reflect the actual scope of your work. A policy written for a general handyman isn't right for a commercial framing crew. A program built for residential remodeling doesn't translate to excavation work.
Mangold's commercial lines team builds contractor programs from the ground up — starting with your specific trade, project types, crew size, and the states where you work. A landscaper's exposure is different from an electrician's, which is different from a general contractor managing subs. We understand those differences and write programs that reflect them. For Wisconsin contractors who cross into Illinois, we're licensed across the United States and write coverage that follows you across the border without a gap.
No obligation. We'll review your current program and shop 100+ carriers.
Most contractors need several coverage lines working together. We build the full program — not just the piece that's easiest to sell.
Bodily injury, property damage, and completed operations — the foundation of every contractor program. A plumber's GL needs different endorsements than a framer's. An excavator's completed operations exposure is different from a painter's. We make sure your limits, exclusions, and endorsements match your actual trade.
Work trucks, vans, trailers, and the equipment they carry. Personal auto policies don't cover vehicles used for business — and the gap shows up at claim time.
Wisconsin and Illinois workers' comp requirements differ. We write proper workers' comp programs for contractor operations and make sure your coverage matches the states where your crew actually works.
Inland marine coverage for tools, equipment, and machinery — on the job site, in transit, and at your yard. From a plumber's pipe threading equipment to a landscaper's skid steer to an excavator's trackhoe. Most GL policies exclude tools and equipment theft entirely.
Excess liability above your GL, auto, and employers liability limits. For larger projects and general contractors, umbrella coverage is often required by the GC or project owner.
Contractor license bonds, performance bonds, and payment bonds. We write surety through our carrier relationships and help you understand what bond requirements apply to your work.
For contractor operations, we look beyond the annual premium to the full picture of your risk exposure — and work with you on it year-round.
Your workers' comp experience modification factor directly affects your premium — and for a contractor with a crew, it can swing your cost significantly. We review your ex-mod at every renewal and identify opportunities to improve it through claims management and loss control coordination.
Fewer claims means lower premiums over time. We work with contractors on safety program fundamentals — documenting procedures, toolbox talk resources, and connecting you with carrier loss control services that come at no additional cost with most commercial programs.
GC agreements and project owner contracts often impose specific insurance requirements — additional insured endorsements, waiver of subrogation, minimum limits, and umbrella requirements. We review your contracts and make sure your program complies before you sign.
We don't auto-renew and move on. Every contractor account gets a formal annual review — current coverage vs. current operation, new equipment or crew changes, ex-mod update, and a full market comparison across 100+ carriers. You get a written summary of what changed and why.
Certificate of insurance requests are part of the job for every contractor. We handle them — quickly and accurately. When a GC or project owner needs a certificate, you call us and we take care of it so you can focus on the work.
When something goes wrong on a job site, we work the claim with you — start to finish. We understand how contractor claims are evaluated, when to push back on an adjuster's assessment, and how to protect your interests through the process.
Different trades carry different risks. We understand the difference and build programs that reflect your specific work — not a generic contractor template.
Our commercial lines team reviews your current coverage, understands your work, and shops 100+ carriers to find the right fit. No generic templates.